Created:April 12, 2017 

Updated: September 9, 2020

sticky.io’s 3D Verify is integrated directly into your checkout process. 3D Verify allows you to perform a 3D protected transaction, without having to redirect the customer to their bank to enter in personal information. This will shift chargeback risk away from you and onto the issuing bank without adding friction to the checkout process.

With sticky.io’s 3D Verify: 

Moves liability for chargebacks due to fraud from the merchant to the card issuer
Improve online transaction security with an authenticated payment system
Easily integrated with our Payment Gateway for an added layer of fraud protection
Integration directly into your checkout process
Protect your business from potential chargebacks on your first rebill 

GETTING STARTED

If you would like to use the 3D Verify feature with your gateway, you will need to contact clientsuccess@ sticky.io to sign up. From there, we will enable this feature for you in your platform. sticky.io will need to know which gateways you would like this feature enabled on.

Your sticky.io Success rep will help you obtain your API credentials, you will need to provide the following:
NOTE: Please allow up to 24 hours for the API Key and Secret to be active Merchant Name Contact First Name & Last Name Contact Email 

For sandbox testing your Client Success rep will provide you with separate credentials

CONFIGURING 3D VERIFY IN A GATEWAY PROFILE

Once your Client Success rep has enabled 3D Verify in your platform you are able to add your gateway profile. To configure 3D Verify in your platform, you will go to Admin > Providers and select "Add New Provider Profile" from the Actions drop down menu. Select 'Payment/Gateway' as the type, select the 3D Verify enabled gateway provider (such as sticky.io) from the Provider drop-down list, and fill out the required gateway parameters. Select Yes in the sticky.io 3D Verify field.

3D VERIFY SERVERLESS IMPLEMENTATION

You will need to configure your checkout page properly in order to use 3D Verify. For instructions and examples please visit our API documentation here: https://developer-prod.sticky.io/?version=latest#edee25d3-99f0-440c-8780-a8be473ae250

ADDITIONAL INFORMATION

Gateway compatibility based on 3DV Version can be found HERE

Here is the indicator of a successful processed secure transaction within the v / sticky.io 2.0 / NMI gateway terminal:

Please be advised that the following Merchant Category Codes are NOT supported with 3D Verify:

MCC 4829: Wire Transfer/Money Order.

MCC 5967: Direct Marketing-Inbound Teleservices. 

MCC 6051: Non-Financial Institution-Foreign Currency, Money Order (not Wire Transfer), Travelers’ Cheques.

MCC 7995: Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting and Wagers at Race Tracks.

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